Budget and cash flow planning
This is a critical step to freeing up the income that you require to build up some real wealth over time. We can help identify ways that you can achieve this goal.

Wealth building strategies
We assist you to build wealth over a suitable time frame using strategies that fit your cash flow, risk tolerance and investment preferences. This may involve borrowing to invest, salary sacrificing income to superannuation or many other strategies.

Superannuation Strategies
We can talk you through the benefits and pitfalls of super, whether a self managed super fund is suitable for you and how to get the most out of super investing via tax savings, investment returns, life risk protection and prudent estate planning in the event of your death.

Life Risk Advice
Have you ever thought about the impact that your death (or that of your spouse) or an inability to earn income would have upon your family’s living standard. We can assess any shortfalls in your financial position and recommend the appropriate life insurance cover to secure the financial well being of your family into the future.

Business Insurance
Business owners also need to think about the consequences of having to replace a business partner. Who will purchase that business equity, at what price and in what time frame and how will the purchase be funded? We can analyse these issues and develop a solution that will remove these uncertainties.

Aged Care Advice
People entering aged care facilities (hostels, nursing homes etc) often need to make critical decisions that determine the fees charged and affordability of their facility of choice, their age pension entitlements and impact upon their partner. Should the family home be sold or rented?
We explain your options in easy to understand terms that will allow you to make an informed decision and achieve “peace of mind” for the future.

Salary Packaging
Flexible salary packaging provides an opportunity for most employees to achieve tax savings. However, an understanding of the tax concessions available to different employer groups is essential to maximizing these benefits. People working in public hospitals and non profit organizations in particular can achieve significant savings with careful planning.